South Dakota home insurance

Homeowners in South Dakota face many challenges throughout the year. Harsh winters can bring frozen pipes, ice dams, and snow. In the summer, thunderstorms and tornadoes can unexpectedly damage property. Liberty Mutual understands the needs of South Dakota homeowners and offers customized homeowners insurance coverage to fit your specific situation.

The following insurance coverage comes standard with any homeowners policy:

• Personal property coverage
• Personal Liability and Medical Payment to Others
• Dwelling (Property damage to your home)
• Wind/hail¹
• Hurricane damage¹
• Additional Living Expenses/Loss of Rent

The following insurance coverages are recommended for homeowners in South Dakota:

• Flood insurance: Homeowners insurance generally does not cover damage caused by floods, including flash floods which can be a problem in South Dakota. Keep in mind that even if you are not in a flood zone, flooding frequently occurs outside of flood risk areas.

  Liberty Mutual offers flood insurance in partnership with the National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA). While flood insurance needs to be purchased separately and is often optional, it may be required to secure a home loan if you live in a high-risk flood area.

• Personal property replacement cost: If your belongings are lost or damaged in a covered loss such as from theft or a fire, this coverage will cover the cost of brand-new replacement items.

The following optional homeowners insurance coverages should be considered by all homeowners in South Dakota:

• Blanket Jewelry
• Escape of Water
• Inflation protection

See our complete list of homeowners insurance coverage

No, homeowners insurance isn't required by law in South Dakota, but your mortgage company will most likely require it in order to get a loan.

The average cost of homeowners insurance in South Dakota is $2,506 per year according to NerdWallet.² That's 42% higher than the national average. However, this rate may be higher or lower for you depending on the value and age of your home, the coverage you select, your claims history, and a wide variety of other factors.

Tell us your zip code and we'll suggest coverage options that may be a good fit for where you live in South Dakota.

Take me to the home insurance coverage calculator (no contact information needed)

Get a quote in minutes. Here’s what you’ll need:

• Basic information about your property
• Basic information about you, any co-owners, and occupants
• Ownership or mortgage status
• Details about your home’s construction and any safety features
• If you have an existing homeowners insurance policy